Altoona, WI · Cert 57265 · Citizens Community Bcorp Inc.
National charter · OCC · 21 branches
Q2 2026
Market Position · Eau Claire, WI · 2026 SOD (annual) · 11.5% share · #3 of 22 inst. · $0.4B of $3.7B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.93% | 0.81% | 0.95% | 0.97% | 1.04% | 1.12% | 1.03% | 0.44% | -53 bps | |
| Return on Equity | 7.49% | 6.42% | 7.48% | 7.56% | 7.95% | 8.89% | 8.64% | 3.65% | -390 bps | |
| Net Interest Margin | 2.76% | 2.90% | 2.90% | 3.35% | 3.29% | 3.21% | 3.14% | 3.23% | -12 bps | |
| Efficiency Ratio | 65.98% | 69.30% | 65.62% | 59.95% | 62.47% | 62.48% | 60.02% | 59.80% | -15 bps | |
| Non-Interest Burden | 1.63% | 1.88% | 1.72% | 1.77% | 1.79% | 1.79% | 1.61% | 1.72% | -5 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.76% | -5.57% | -2.18% | -3.75% | -4.03% | 1.88% | 2.38% | 4.53% | +828 bps | |
| Loan Growth (YoY) | -1.71% | -6.56% | -6.49% | -5.40% | -6.82% | -1.83% | 0.21% | 2.38% | +779 bps | |
| Deposit Growth (YoY) | 3.32% | -2.06% | -0.18% | -2.40% | -3.30% | 2.91% | 3.09% | 5.50% | +790 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.09% | 0.97% | 1.01% | 0.90% | 1.19% | 1.18% | 1.28% | 2.28% | +138 bps | |
| Net Charge-Offs / Loans | 0.01% | 0.04% | 0.00% | 0.00% | -0.02% | 0.00% | 0.06% | 0.41% | +40 bps | |
| Allowance / Loans | 1.47% | 1.50% | 1.49% | 1.58% | 1.67% | 1.67% | 1.69% | 1.87% | +29 bps | |
| Allowance Coverage of NPLs | 1.3x | 1.5x | 1.5x | 1.8x | 1.4x | 1.4x | 1.3x | 0.8x | -0.9x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.71% | 11.91% | 12.03% | 12.22% | 12.24% | 11.33% | 11.32% | 11.21% | -101 bps | |
| Total Risk-Based Capital | 15.00% | 15.58% | 15.59% | 15.67% | 15.87% | 14.62% | 14.41% | 14.19% | -148 bps | |
| Equity / Assets | 12.52% | 12.69% | 12.59% | 12.96% | 13.15% | 11.97% | 11.97% | 12.01% | -95 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 92.79% | 91.00% | 88.02% | 90.28% | 89.41% | 86.82% | 85.57% | 87.61% | -267 bps | |
| Liquid Assets / Assets | 5.64% | 6.16% | 8.98% | 6.94% | 8.00% | 9.57% | 11.13% | 9.38% | +244 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 436% | 472% | 469% | n/a | n/a | |